Key takeaways:
Gym memberships usually cost between $40 and $70 per month, but the price for premium gyms can be higher. Location, amenities, and membership benefits can affect how much you pay.
Some commercial health insurance plans, Medicare, and Medigap may cover a portion or all of the costs related to gym membership.
You can ask about free trials, student discounts, and promotions to save money on a gym membership.
Many studies have demonstrated the benefits of regular exercise, but CDC survey results show that less than a quarter of Americans get enough physical activity. If you’re considering joining a gym, you’ll want to think about location, amenities, and benefits that can motivate you to reach your health goals. You’ll also want to review the cost of membership and think about ways to save money.
What does the average gym membership cost?
When you sign up for a gym membership, you usually have to pay a monthly (or annual) fee and a one-time initiation fee. Gym memberships usually cost somewhere between $40 and $70 per month, depending on the location and other factors. A 2021 report showed that the average monthly gym membership cost in 2019 was $52, or $624 per year.
What factors affect the price of a gym membership?
Several factors can influence gym membership prices, including:
Location: Gyms tend to be more expensive in major cities where the cost of living is higher.
Amenities: More expensive gyms may offer extras like towel service, spa services, on-site cafés, and personal trainers.
Payment schedule: Some gyms offer discounted rates if you pay more upfront — for example, paying annually rather than monthly.
Frequency of visits: You may be able to get a cheaper membership if you don’t visit the gym often.
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How to save money on a gym membership
If you’re looking to save on your gym membership, here are ten options to explore.
1. Corporate discounts
Some employers offer wellness benefits such as gym discounts or reimbursement programs. Ask your employer whether they offer these benefits, which might give you a percentage discount on gym membership or an allowance to put toward the cost.
2. Tiered memberships
Sometimes, gyms offer tiered memberships based on how often you visit. You may pay less if you go only a few times per week or during off-peak hours. Others offer lower-cost options for virtual classes only. Larger gym chains may also offer more affordable membership plans, especially if you choose to access just one club instead of multiple locations.
3. Free trials
Some gyms offer free trial passes that allow you to try out the facility before you join. Depending on the gym, this type of pass may be good for 1 to 3 days, a week, or longer.
4. Student discounts
If you’re a student, you may be able to join a gym at a reduced rate. Call local gyms or search their websites for additional information. You’ll most likely need your student ID to receive a discount.
5. Special promos
You can ask a gym’s membership coordinator if there are any special promos for new members. Some gyms may waive the initiation fee, offer seasonal deals, or run promotions for a month of free membership.
Are gym memberships tax deductible? Here’s what you need to know about taxes and gym memberships.
Got health insurance? Some health insurance plans may reimburse you for all or some of your gym membership fees.
Do you have a Medicare Advantage plan? You may qualify for a free gym membership through the SilverSneakers program.
6. Referrals
Ask about referral programs. Some gyms offer discounts or dollar credits when you refer new members.
7. Membership freezes
If you know that you won’t be able to go to the gym for an extended amount of time, ask if you can freeze your membership. Some gyms allow you to pause your membership for a limited amount of time for circumstances like illness, pregnancy, or extended travel out of the country. You may need to pay a nominal fee, or nothing at all, during that time.
8. Community memberships
Check if any colleges or universities in your area allow local residents to join the campus gym. Your local community center may also offer free or affordable pricing for gym access and group exercise classes. For information on community center gyms, contact your city’s parks and recreation department.
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9. Digital memberships
Some gyms with physical locations also offer lower-priced, digital memberships. This type of membership allows you to attend virtual classes and other programs. Nonprofit organizations, such as the YMCA, also offer virtual workout sessions for free or for reduced rates to certain individuals.
10. Class packs
Buying a package of group fitness classes can help you better control how much money you spend out of pocket. Gyms often offer packages ranging from just a couple of classes to 20 or more. Keep in mind: These class packages are typically paid for in advance and have an expiration date. You may have to set up an account with a gym in order to purchase class packs.
Does insurance cover gym memberships?
Some health insurance plans cover gym membership costs. And some plans offer discounts, reimbursements, or other rewards that can help you save money on your gym membership fees. Review your plan’s member handbook for coverage details. This information is usually also available online through your member portal. Or you can contact your health benefits administrator or your plan’s member services department.
Original Medicare doesn’t cover gym memberships, but Medicare Advantage and Medigap may offer coverage through extra benefits. Some Medicare Advantage and Medigap plans offer access to fitness programs designed for older adults, and these programs are typically free or low cost. Examples include:
Check with your Medigap or Medicare Advantage insurance carrier to find out if they offer these options and if you are eligible to participate.
Can I negotiate the cost of a gym membership?
It never hurts to try to negotiate gym costs, especially during a gym’s slower months. When you’re talking to a gym to negotiate a discount, here are a few things that may help you save:
Offer to prepay fees for a few months or a year.
Mention competitor offers and see if the gym will match those prices.
Search prior online deals and request that the gym honors them.
Negotiate with a manager who oversees membership instead of with a member of the sales team.
You can also see if family members or friends want to join a gym with you to possibly get a group membership discount.
What to consider before purchasing a gym membership
When deciding if a gym is right for you, it’s good to go in with a list of questions to help assess if it’s the best fit. Besides cost, other things to consider include:
What types of memberships do they offer?
How many different types of group fitness classes do they offer?
What is the average class size?
How frequently do they offer certain group classes?
What amenities are provided? For example, is there a pool, basketball court, sauna, or steam room?
Do they offer a community environment or monthly member events?
How much are personal training sessions?
What are their hours?
How often do they clean their locker rooms, exercise equipment, and other high-touch points?
What’s the condition of their locker rooms?
Alternatives to gym membership
You don’t need a gym membership to work out and stay fit. Here are some alternatives to belonging to a gym that can be equally beneficial without breaking the bank:
A home gym
Fitness apps
YouTube exercise videos
Outside activities (e.g., jumping rope, walking, or riding a bike)
Gym guest passes
Class passes
Community recreation center classes
Public library exercise DVDs
Streaming services that offer fitness classes
Frequently asked questions
Yes, you can often pay for a gym membership on an annual basis rather than month to month. Many gyms will give you a discounted rate for committing to a full year up front. It’s a good idea to contact a gym to discuss membership options, contract terms, and whether an annual payment option is available. You also want to find out if there are any fees for early cancellation.
A healthcare professional can write you a letter of medical necessity for a gym membership if regular exercise is essential for treating or managing a specific medical condition. This letter typically includes your diagnosis, the treatment rationale, and a recommendation for gym access as part of a care plan. It’s often required if you’re trying to get reimbursed through a health savings account, a flexible spending account, or insurance. Be sure to check with your benefits provider to confirm eligibility and documentation requirements.
Yes, you can often pay for a gym membership on an annual basis rather than month to month. Many gyms will give you a discounted rate for committing to a full year up front. It’s a good idea to contact a gym to discuss membership options, contract terms, and whether an annual payment option is available. You also want to find out if there are any fees for early cancellation.
A healthcare professional can write you a letter of medical necessity for a gym membership if regular exercise is essential for treating or managing a specific medical condition. This letter typically includes your diagnosis, the treatment rationale, and a recommendation for gym access as part of a care plan. It’s often required if you’re trying to get reimbursed through a health savings account, a flexible spending account, or insurance. Be sure to check with your benefits provider to confirm eligibility and documentation requirements.
The bottom line
Monthly gym membership costs vary based on location, amenities, and other factors. On average, you can expect to pay between $40 and $70 per month, but discounts and special promotional offers can bring the price down. You can also check to see if your health insurance plan covers gym membership costs or negotiate fees based on your circumstances.
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References
International Health, Racquet & Sportsclub Association. (2021). 2021 IHRSA media report: Health and fitness consumer data and industry trends before and during the COVID-19 pandemic.
Medicare.gov. (n.d.). Gym memberships and fitness programs.
National Center for Health Statistics. (2024). Exercise or physical activity. Centers for Disease Control and Prevention.
